Underinsured Driver Accidents: What to Do

Posted By Roman & Gaynor || 12-Jun-2017

Most people are aware that when they are injured in a
car accident that they didn’t cause, they can seek compensation from the insurance
company of the driver who hit them. But what happens if the driver who
caused your accident doesn’t have enough insurance to cover all
of your damages? Worse, what if they don’t have any auto insurance
at all? This can cause an already stressful situation into one that is
even more confusing. In times like this, it is important to rely upon
the expertise of an experienced car accident lawyer who can help you pursue
the compensation you are due from the appropriate party.

UM/UIM Claims in Florida

If you are involved in an accident with an
underinsured or uninsured driver in Florida, you are not without options for pursuing compensation if you
have purchased UM/UIM coverage as part of your own auto insurance policy.
Because it is estimated that nearly one in four drivers in Florida do
not have the required auto insurance, this coverage should be considered
mandatory. If you have this coverage and are in an accident, you can file
a claim for compensation through your own insurance company for bodily
injury and property damage up to the limits of your coverage.

What to Do After a Car Accident with an Underinsured Driver

Call 911 to get police and medical responders to the scene of the accident.

Exchange insurance information with the other driver. If they don’t
have insurance, take their name, contact information, and information
on their vehicle.

Take down the names and contact information of any witnesses.

Seek medical care as soon as possible, even if you don’t immediately
feel injured. It is important to document your injury through a medical record.

Contact your insurance company to report the accident.

Contact an experienced car accident attorney who can help you fight for
maximum compensation for your medical bills, vehicle damage, and other losses.

Auto insurance, and negotiating with auto insurance companies after a serious
accident, can be a frustrating experience if you are not familiar with
your policy, how it works, and Florida injury law. If you or a loved one
has been injured in New Port Richey or Clearwater, Florida, please do
not hesitate to contact Roman & Gaynor. We would be happy to review
your case for free and help you understand which options are available
to you in pursuing compensation.

Call us at (727) 877-1212 to schedule an initial case review with a New
Port Richey car accident lawyer.